Thank you, Mr. Chair.
Ms. Robertson, obviously for some folks who already have some negative amortization or other measures to provide relief, the tailored approach is important because, as you've said, not everybody's situation is the same. However, it does raise the spectre of people within one financial institution getting different treatment and folks between institutions getting different treatment.
I wonder if you think eliminating the stress test for folks who already have an insured mortgage would allow more competition for Canadians' financial services. It might incent banks, as a market mechanism, to provide better types of relief so that we don't see some banks with a captured market—which is folks who have an insured mortgage and can't leave—decide to exploit that while others don't and folks are trapped wherever they happen to get their mortgage from in the first place. Do you think that kind of competition would be useful?